You can invest in stocks (Dutch only), bonds, index trackers (ETFs), investment funds (Dutch only), and options. And that often sounds more complicated than it is. Take a look at Easy Invest (Eenvoudig Beleggen). They take care of everything for you, and all you have to do is open an account and choose a fund based on how much risk you want to take.
If you prefer to trade actively yourself, then Self Invest (Zelf op de Beurs) might be something for you (Dutch only). This allows you to buy and sell those stocks, bonds, ETFs, and various derivatives yourself.
In step 4, we list the characteristics of Easy Invest and Self Invest for you. This allows you to see which one suits you better.
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/ad9ad25f-4f6d-4257-b85d-e239c7b8676f/globe","original":"https://assets.ing.com/m/44f09216bb0ec8be/original/globe.png","extension":"png"}},{"componentType":"paragraph","title":"In summary","richBody":{"value":"If you want to do more with investing, it may be wise to start with Self Invest. If you just want to set aside money for later and not have to worry about it, Easy Invest is probably more suitable for you.
"},"alignedImage":{"position":"left"}},{"componentType":"sectionTitle","title":"Sustainable investing"},{"componentType":"paragraph","richBody":{"value":"What happens to the money I invest? Could it be invested in things I have moral objections to, such as weapons, tobacco, or fossil fuels? Again, this is a very personal matter.
What we can tell you is that with Easy Invest, you automatically invest in one of our four ING Global Index Portfolio funds. Investments that contribute to environmental or social goals may be part of the ING Global Index Portfolio funds. However, the funds do not exclusively aim to invest in such investments; investing in financially attractive companies is also important. Find out more about the sustainable investment policy of the ING Global Index Portfolio funds here.
Would you like to know more about sustainable investing? Take a look at our online hub on this topic.
"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/f0c63b06-c21f-43ea-9260-36760b8cf3e3/plantinggrowmoney","original":"https://assets.ing.com/m/22450617e852f31b/original/plantinggrowmoney.svg","extension":"svg"}},{"componentType":"sectionTitle","title":"With how much money can you invest?"},{"componentType":"paragraph","richBody":{"value":"“You need a lot of money to invest!” Nothing could be further from the truth. You can invest with as little as ten euro at a time. But there are a few things you need to take into account.
In principle, the sky is the limit. So perhaps the question should not be “how much money” but “how much of my money” am I going to invest?
To answer this question properly, we actually look at two things. The first is how much risk you can take and the second is how much risk you are willing to take.
The first point concerns your personal situation. What are your income, expenses, assets, and debts? Are there any large expenses you may want to make in the relatively short term? For example, it is not responsible to invest your entire assets in risky investments if you need this money in the short term.
The second point concerns the risk you are willing to take. Investing is partly a matter of logic and partly a matter of gut feeling. If it keeps you awake at night, then it is not right for you. In panic situations, bad decisions are often made (e.g., selling at the lowest point), which obviously does not benefit your return.
You can find more information about risk and return here. Would you like to see what a combination of saving and investing could yield for you? Take a look here.
Although you can invest with a small amount, it is advisable to work towards a minimum amount. This is because of the costs involved.
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/259a957d-ea4e-4c97-ba12-a475ce71579a/coinsstackedwithshadow","original":"https://assets.ing.com/m/5eb30ed4cfa7a3ba/original/coinsstackedwithshadow.svg","extension":"svg"}},{"componentType":"sectionTitle","title":"How much does investing cost?"},{"componentType":"paragraph","richBody":{"value":"At ING Easy Invest, we have set up four investment funds (with four different risk profiles). These funds are ready to invest in, and you pay a service fee of 0.4% per year and the fund costs, but these are already included in the price.
For an investment portfolio of, for example, €5,000, you pay €20 per year in costs. These costs are charged quarterly, which in this example amounts to €5 per quarter.
If you invest with Self Invest, it is important to always pay close attention to the costs of your transaction and the service fee costs if you decide to invest in an investment fund. In addition, there may be costs for maintaining the account; at ING, this is €20 per year. So, if you want to invest yourself, make sure you don't start with too low of an amount, otherwise the fixed costs per year will be relatively high in relation to your portfolio.
As for transaction costs, these vary per product at Self Invest. But what makes ING Self Invest attractive is that you do not pay any transaction costs for ETFs. This means you can spread your investments easily and affordably and also make periodic deposits, for example, without having to pay transaction costs every time.
"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/4112e04a-0287-4e68-afbb-454e6d174501/Privacy-Dashboard-basic-level","original":"https://assets.ing.com/m/1e815cd1a23fb939/original/Privacy-Dashboard-basic-level.svg","extension":"svg"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Starterskit home","intro":"Back to the start","image":{"transformBaseUrl":"https://assets.ing.com/transform/bbb4776b-e8db-4ac1-9f01-b65db06cadd4/Box-lamp-spot","type":"image","width":160,"original":"https://assets.ing.com/m/bc241149818b190/original/Box-lamp-spot.svg","extension":"svg"},"link":{"url":"/particulier/beleggen/hoe-werkt-beleggen/beleggen-starterskit"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Step 3","intro":"The most important rules of investing","image":{"transformBaseUrl":"https://assets.ing.com/transform/93d566be-ff4a-4635-b79c-c6741ed6ce72/dartplay","type":"image","width":1500,"original":"https://assets.ing.com/m/3e086ec13ebab1c3/original/dartplay.svg","extension":"svg"},"link":{"url":"/en/personal/investing/how-does-investing-work/step-3-the-most-important-rules-of-investing"}}]},{"componentType":"paragraph","title":"Have you gained enough knowledge? Open your investment account!","richBody":{"value":""}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Easy Invest","intro":"The ready-made solution","image":{"transformBaseUrl":"https://assets.ing.com/transform/fb02d4f9-a424-4cfd-a887-02af0057dc48/Young-adult-female-laughs-while-looking-at-mobile-phone-in-front-of-chalkboard-with-whimsical-writing","type":"image","width":5616,"original":"https://assets.ing.com/m/23290af957098917/original/Young-adult-female-laughs-while-looking-at-mobile-phone-in-front-of-chalkboard-with-whimsical-writing.jpg","extension":"jpg"},"link":{}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Self Invest (Dutch only)","intro":"Trading at competitive rates","image":{"transformBaseUrl":"https://assets.ing.com/transform/7a2701fc-94f0-4107-a7a4-9c8d5d06c556/Large_Web-and-Screen-Smiling-business-man-using-his-mobile-phone-and-relaxing-in-his-chair-at-the-office","type":"image","width":1920,"original":"https://assets.ing.com/m/5ecb5382208b3f79/original/Large_Web-and-Screen-Smiling-business-man-using-his-mobile-phone-and-relaxing-in-his-chair-at-the-office.jpg","extension":"jpg"},"link":{}}]},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"Investing involves risks and costs. You may (partially) lose your investment amount. Read more about the risks of investing and how to limit them. And also view the Investment Terms and Conditions.
Investments that contribute to environmental or social goals can be part of the ING Global Index Portfolio funds within Easy Invest as well as the Sustainable (Duurzaam) investment strategy offered through Vermogensbeheer. However, investing in such investments is not the sole purpose of these strategies, it is also important to invest in financially attractive companies. For more information about ING's Sustainable Investment Policy, please visit ing.nl/ESG.
*This translation is intended for the customer’s convenience only. In the event of any inconsistency between the English translation and the original Dutch version, the original Dutch version shall prevail.
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